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Savings Accounts

Start saving to reach your financial goals with a Georgia United Savings Account. Whether you’re building an emergency fund, saving for a family vacation or putting money aside for the holidays, we have a variety of savings options to help you meet your goals.

Start Saving Towards Your Goals

Prime Share Savings Account

Your Georgia United membership begins when you open a Prime Share savings account. If you're not already a member, you'll need to open this basic savings account to take advantage of other product offerings.

  • Open with a $5 minimum deposit and $5 one-time nonrefundable membership fee
  • Earn dividends on average daily balance of $100 or more
  • Includes two free withdrawals per month*
  • No monthly maintenance fee**
  • ATM Card available

Open an Account 

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More Options to Save

High Earning Savings

Build your wealth with a savings account that offers both a high-yield rate and flexibility to access your money when expenses arise.

  • Earn up to 3.50% APY****
  • Only $100 to open
  • Easily access your money when you need it
  • Save securely with funds insured by the NCUA

Money Market Savings

Earn interest at a rate typically higher than savings accounts. Money Market features include:

  • Low minimum opening deposit of $1,000
  • Earn interest with competitive rates that increase as your funds increase
  • Write checks, make unlimited deposits and receive three free withdrawals per month*
  • No monthly maintenance fee—just maintain a $1,000 daily balance**

Certificates of Deposit

 

A CD is a safe and secure savings tool that grows regardless of the fluctuating market. 

  • Save with higher dividend rates
  • Save confidently with predictable rates of return
  • Save securely with funds insured by the NCUA

Individual Retirement Accounts

 

IRAs are great for long-term financial goals and may provide you with additional tax benefits.*****

  • Traditional, Roth and Educational IRAs available
  • No minimum opening deposit

"You Name It" Savings

This customizable account is as unique as your financial goals. Tell us what you're saving for and that's what we'll name your account. 

  • Open with a $5 minimum deposit
  • Earn dividends on average daily balance of $100+
  • Includes two free withdrawals per month*

Vacation Club Savings

Save at your own pace and earn dividends while you plan your perfect getaway.

  • Earn dividends on average daily balance of $25+
  • Includes one free withdrawal per quarter*

 

Christmas Club Savings

Stash away some money for the holidays. The money you save is automatically deposited into your Prime Share savings account on November 1.

  • Earn dividends on average daily balance of $25+
  • Unlimited withdrawals November 1 – December 31
  • $5 fee per withdrawal outside of above time period*
I've been banking with Georgia United since 2014 and I will not ever go back to a traditional bank. I do not pay unnecessary fees and charges which I appreciate. I can save and see my money grow without the bank constantly taking out fees and charges. The service is wonderful as well.
- Vivian C.
Georgia United has more perks than my previous banking institution. Options for my children, savings for holidays/birthdays, and friendly customer service.
- Marisha T.
The credit union provides good interest rates on savings and I feel that my credit union is part of my community.
- Annelies M.

*For a Money Market Savings, you will receive three (3) free withdrawals per month, thereafter your account may be subject to a $5.00 fee per withdrawal. For a Christmas Club account, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. For a "You Name It" Savings and Prime Share Savings, you will receive two (2) fee withdrawals a month, thereafter your account may be subject to a $5.00 fee per withdrawal. For Christmas Club accounts, there will be a $5.00 fee for each withdrawal made January 1 - October 31. For Vacation Club accounts, one (1) free withdrawal is allowed per quarter, thereafter a $5.00 fee for each withdrawal. Fees could reduce the earnings on the account. Membership and eligibility requirements apply.
 
**Account must be kept active with a $5 minimum balance to avoid service charges. For a Money Market Savings, account must maintain an average daily balance of $1,000 to avoid service charges; otherwise $5.00 fee per month. See Georgia United's Share Rate and Fee Schedule for more details.

***APY = Annual Percentage Yield is fixed for the term of the limited time promotion. The minimum deposit and balance required to earn APY is $1,000.00. The funds used to open the CD cannot currently be in a deposit account with Georgia United.

15 month CD

A 15 month term will earn 5.13% APY and at maturity, the CD will renew at a 12 month term at the prevailing rate.

30 month CD

A 30 month term will earn 4.08% APY and at maturity, the CD will renew at a 24 month term at the prevailing rate.

Membership and eligibility requirements apply. Membership requires a $5 one-time, nonrefundable membership fee, and a minimum initial deposit of $5. Penalty will be imposed for early withdrawal and fees could reduce the earnings on the account, see terms and conditions for additional restrictions and fees that may apply.

****APY = Annual Percentage Yield. Rates may change after account is opened. Minimum deposit to open the account is $100.00. Minimum balance to earn dividend is $10,000.00. Dividend is accrued on a tiered basis. If your account balance is from $10,000.00 to $24,999.99, the Dividend rate is 1.49% and the APY will be 1.50%. If your account balance is $25,000.00 or more, the Dividend rate is 3.45% and the APY will be 3.50%. Dividend is compounded and credited quarterly. Must maintain a minimum balance of $5.00 in the account to avoid service fees; otherwise $5.00 fee per month. Will receive two (2) free withdrawals per month, thereafter your account may be subject to a $5.00 fee per withdrawal. Fees could reduce the earnings on the account, see Share Rate and Fee Schedule for additional fees that may apply. Membership and eligibility requirements apply. Membership requires a $5.00 one-time, nonrefundable membership fee and a minimum initial deposit of $5.00. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. 

*****Not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA.

Rates effective as of